For many shopping on healthcare.gov can be quite an ordeal. There is the identity verification, projected verification, etc that all must be answered before a subsidy is even shown.
More importantly if you want to get a plan on the exchange the network might be different then if you were to shop privately. For example on the exchange Humana is offering an HMO with a network that uses only three hospital in Miami & Broward County. However if you go off the exchange you can get a Humana POS with a much broader network.
Before considering a plan make sure you look at the network and confirm at minimum that your hosptials are in-network.
For any questions on Obamacare plans in Florida contact Evan Tunis at 561.637.8162.